Avanti Finance Property Loans Home Loan Review.

Avanti Finance Limited — NZ Mortgage Review (2026)

Avanti Finance Limited is one of New Zealand's most established non-bank property and personal finance providers. For New Zealand borrowers, the lender's specialties include near-prime residential mortgages, bridging finance, second mortgages, self-employed loans. Finch is an independent NZ mortgage broker with a panel of 23 lenders: registered banks, specialist non-bank lenders and a credit union. We only recommend Avanti Finance Property Loans when its lending rules and pricing beat the alternatives for your situation. See all 23 lenders.

Who Avanti Finance Property Loans Suits Best

Avanti Finance Property Loans suits borrowers needing rapid conditional approvals, bridging funding, or alternative documentation. It works best when your income, deposit and property type fit Avanti Finance Property Loans's current lending rules. If they don't, another lender on our panel may be cheaper or faster, so we compare options before recommending one.

Avanti Finance Property Loans — Strengths

• Fast turnaround with conditional offers often issued in 24–48 hours
• Flexible bridging finance structures allowing clients to buy before selling
• Pragmatic, common-sense underwriting on self-employed and contract income
• Accommodates second mortgages and complex property security stacks

Avanti Finance Property Loans — Considerations

• Interest rates reflect non-bank risk profiles and sit above main-bank specials
• Establishment and facility fees apply
• Shorter loan terms on specialist bridging facilities

How Avanti Finance Property Loans Compares Across Our 23 Approved Lenders

No lender is best for everyone. Banks usually offer their lowest rates to borrowers with steady salary or wage income and a good deposit. Non-bank lenders such as Avanti Finance, Basecorp Finance and Pepper Money often help when your situation is less straightforward. Check current NZ mortgage rates, then book a free call and we'll compare your options across the whole panel.

The Rules NZ Lenders Work Within

In New Zealand, the Reserve Bank's loan-to-value (LVR) and debt-to-income (DTI) restrictions apply to registered banks. Non-bank lenders aren't bound by them, but every lender must follow the responsible lending rules in the Credit Contracts and Consumer Finance Act (CCCFA). Finch gives advice as an Authorised Body under the Financial Advice Provider licence held by Finsure New Zealand Limited (FSP1005389), and follows the Code of Professional Conduct for Financial Advice Services, overseen by the Financial Markets Authority. That means we only recommend Avanti Finance Property Loans when it suits your needs.

Documents Avanti Finance Property Loans Typically Requires

• 3 months payslips (PAYE) or latest financial statements / bank cashflows (self-employed)
• 3 months bank statements across active accounts and credit facilities
• KiwiSaver statement and confirmation of first-home eligibility (if applicable)
• NZ photo ID and proof of address for AML / CFT compliance
• Evidence of deposit funds, gifted equity, or existing property equity

Service Coverage Across New Zealand

Finch arranges Avanti Finance Property Loans lending for clients across New Zealand, including Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Palmerston North, Napier, Nelson and Queenstown. We handle the whole application, from first assessment to settlement.

Should You Go Direct, or Use an Independent Broker?

If you go to Avanti Finance Property Loans directly, you only see its own products and lending rules. Through Finch, you get a comparison across our panel of 23 lenders. For residential home loans our advice is free, because the lender pays us a commission when your loan settles. Read our NZ client case studies to see how we structure approvals.